Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Spark 1.5X Miles Select ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Spark 1.5X Miles Select | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1.5X | 5X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Gas Stations
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Dining
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Everyday purchases
The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.
Choose the Spark 1.5X Miles Select if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Spark 1.5X Miles Select ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Spark 1.5X Miles Select | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1.5X | 5X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Gas Stations
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Dining
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Everyday purchases
The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.
Choose the Spark 1.5X Miles Select if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Spark 1.5X Miles Select ($0/yr) is better for everyday value, while the Wells Fargo Autograph Journey Visa Credit Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Spark 1.5X Miles Select | Wells Fargo Autograph Journey Visa Credit Card |
|---|---|---|
| Hotels | 1.5X | 5X |
The Wells Fargo Autograph Journey Visa Credit Card wins in 8 of 9 categories. The Spark 1.5X Miles Select leads in 1.
Hotels
Wells Fargo Autograph Journey Visa Credit Card earns 5X vs 1.5X
Airlines
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X vs 1.5X
Other Travel
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Gas Stations
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Transit
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Streaming
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Dining
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 1.5X
Everyday purchases
The Spark 1.5X Miles Select has a lower annual fee ($0 vs $95), making it the more accessible option.
For everyday spending, the Spark 1.5X Miles Select earns more with its 1.5X base rate.
Choose the Spark 1.5X Miles Select if you want solid rewards with a lower cost of entry. Choose the Wells Fargo Autograph Journey Visa Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Airlines |
| 1.5X |
| 4X |
| Flights | 1.5X | 4X |
| Dining | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Other Travel | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr โ that's $95 more than the Spark 1.5X Miles Select (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the Spark 1.5X Miles Select if you:
Get the Wells Fargo Autograph Journey Visa Credit Card if you:
| Airlines |
| 1.5X |
| 4X |
| Flights | 1.5X | 4X |
| Dining | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Other Travel | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr โ that's $95 more than the Spark 1.5X Miles Select (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the Spark 1.5X Miles Select if you:
Get the Wells Fargo Autograph Journey Visa Credit Card if you:
| Airlines |
| 1.5X |
| 4X |
| Flights | 1.5X | 4X |
| Dining | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Other Travel | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Spark 1.5X Miles Select earns 1.5X on all other spending vs 1X
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr โ that's $95 more than the Spark 1.5X Miles Select (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Wells Fargo Autograph Journey Visa Credit Card's extra perks make it worth considering for most cardholders.
Get the Spark 1.5X Miles Select if you:
Get the Wells Fargo Autograph Journey Visa Credit Card if you: